We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 246785 results
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Decision Reference DRN-4910815
7 Mar 2025 Borderway Finance Limited Not upheldConsumer CreditDRN-4910815 The complaint Mr T complains Borderway Finance Limited (Borderway) supplied a vehicle under a hire purchase agreement which wasn’t of satisfactory quality. What happened Mr T entered into a hire purchase agreement with Borderway in October 2022 in order to acquire a used ve... (5 pages)View decision -
Decision Reference DRN-5304149
7 Mar 2025 Aviva Insurance Limited Not upheldInsuranceDRN-5304149 The complaint Mr A complains that Aviva Insurance Limited (“Aviva”) has unfairly declined a claim he made under his motor insurance policy, following a collision. What happened Mr A reported a road traffic collision, which occurred on 1 December 2023, to his car insurer, Avi... (3 pages)View decision -
Decision Reference DRN-5197714
7 Mar 2025 Specialist Motor Finance Limited UpheldConsumer CreditDRN-5197714 The complaint Mr C complains that the car he acquired financed through a hire purchase agreement with Specialist Motor Finance Limited (“SMFL”) wasn’t of satisfactory quality. What happened Mr C acquired a used car financed through a hire purchase agreement with SMFL which h... (5 pages)View decision -
Decision Reference DRN-5108867
7 Mar 2025 CA AUTO FINANCE UK LTD UpheldConsumer CreditDRN-5108867 The complaint Mr V complains about the quality of the car he acquired through a hire purchase agreement with CA Auto Finance UK Ltd (“CA Auto”). What happened Mr V acquired a car in December 2022 through CA Auto. It was around two years old and had covered less than 7,000 mi... (5 pages)View decision -
Decision Reference DRN-5317765
7 Mar 2025 TSB Bank plc Not upheldBanking and PaymentsDRN-5317765 The complaint Mrs V is unhappy that TSB Bank plc won’t honour a 0% interest offer on purchases that they told her she had available to her. What happened Mrs V called TSB and asked whether she had any interest rate offers available to her for purchases she might make on her ... (2 pages)View decision -
Decision Reference DRN-5376309
7 Mar 2025 Omni Capital Retail Finance Limited UpheldConsumer CreditDRN-5376309 The complaint Mr C complains that a bathroom supplier which he engaged to carry out installation works at his home did not carry out the work to a satisfactory standard. He says that he therefore has claims against the supplier for breach of contract and misrepresentation. A... (8 pages)View decision -
Decision Reference DRN-4786898
7 Mar 2025 St James's Place UK plc UpheldPensions and AnnuitiesDRN-4786898 The complaint Mr C has complained about a transfer of his St James's Place UK plc (‘St James’s Place’) personal pensions to a small self-administered scheme (‘SSAS’) in January 2016. Mr C’s SSAS was subsequently used to invest in Dolphin Capital (‘Dolphin’), a loan note... (12 pages)View decision -
Decision Reference DRN-5316975
7 Mar 2025 Great Lakes Insurance UK Limited UpheldInsuranceDRN-5316975 The complaint Miss O has complained about Great Lakes Insurance UK Limited’s (Great Lakes) decision to decline two claims she made through her contents insurance policy. What happened Miss O has a contents insurance policy underwritten by Great Lakes. In May 2024, she made t... (3 pages)View decision -
Decision Reference DRN-5322387
7 Mar 2025 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5322387 Complaint Mr F complains that Clydesdale Financial Services Limited (trading as Barclays Partner Finance (“Barclays PF”)) unfairly entered into a conditional sale agreement with him. He’s said that the agreement was unaffordable for him and his struggle to make his repayment... (5 pages)View decision -
Decision Reference DRN-5277406
7 Mar 2025 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-5277406 The complaint Miss T complains about the way National Westminster Bank Plc treated her in relation to a personal guarantee for the debts of her company. What happened Miss T complains about the way National Westminster Bank Plc treated her in relation to a personal guarante... (3 pages)View decision
